This dataset includes small business loans or grants issued for emergency COVID-19 financial assistance. Underlying data is provided by the Department of Small Business Services (SBS). Dollar amounts are in actual dollars.

This publication provides an update on the performance of the government’s COVID-19 loan guarantee schemes, including: the Coronavirus Business Interruption Loan Scheme (CBILS) the Coronavirus Large Business Interruption Loan Scheme (CLBILS) the Bounce Back Loan Scheme (BBLS) The data is taken from the British Business Bank’s portal as at 31 March 2022.

The number of community banks in the United States has fallen from more than 13,000 in the mid-1980s to less than 5,000 today. These community-focused banks have consolidated mainly as a result of competitive pressures. Research shows that community banks are essential to maintaining economically fruitful communities, and losing these banks could be a significant blow to local infrastructure.

One example of the importance of community banks was their role in distributing Paycheck Protection Program (PPP)1 loans during the Covid-19 pandemic. The PPP was designed to help small businesses keep their workers employed during the pandemic by providing funds through a short-term loan backed by the Small Business Administration (SBA). Preliminary research by CSBS shows that state-chartered banks were the primary distributor of PPP loans, and that community banks played an outsized role in the distribution of PPP funds.

CSBS is providing complete loan-level PPP data [available here (full file, 300MB), here (sample data) and here (data definitions)] that combines the publicly available files made available on sba.gov. To allow for analysis on depository institutions, CSBS will also be adding FDIC Certificate numbers to this file. When the institution is a bank, the FDIC Certificate number will allow participants to link the PPP data to the quarterly Call Report of Income and Condition, which can be accessed here. CSBS is also providing a sample dataset that can be updated and examined in Excel. Questions regarding the data can be sent to data@csbs.org. CERT number is based on originating lender, not servicing lender. Field Name Field Description LoanNumber Loan Number (unique identifier) DateApproved Loan Funded Date SBAOfficeCode SBA Origination Office Code ProcessingMethod Loan Delivery Method (PPP for first draw; PPS for second draw) BorrowerName Borrower Name BorrowerAddress Borrower Street Address BorrowerCity Borrower City BorrowerState Borrower State BorrowerZip Borrower Zip Code LoanStatusDate Loan Status Date - Loan Status Date is blank when the loan is disbursed but not Paid In Full or Charged Off LoanStatus Loan Status Description - Loan Status is replaced by 'Exemption 4' when the loan is disbursed but not Paid in Full or Charged Off Term Loan Maturity in Months SBAGuarantyPercentage SBA Guaranty Percentage InitialApprovalAmount Loan Approval Amount (at origination) CurrentApprovalAmount Loan Approval Amount (current) UndisbursedAmount Undisbursed Amount FranchiseName Franchise Name ServicingLenderLocationID Lender Location ID (unique identifier) ServicingLenderName Servicing Lender Name ServicingLenderAddress Servicing Lender Street Address ServicingLenderCity Servicing Lender City ServicingLenderState Servicing Lender State ServicingLenderZip Servicing Lender Zip Code RuralUrbanIndicator Rural or Urban Indicator (R/U) HubzoneIndicator Hubzone Indicator (Y/N) LMIIndicator LMI Indicator (Y/N) BusinessAgeDescription Business Age Description ProjectCity Project City ProjectCountyName Project County Name ProjectState Project State ProjectZip Project Zip Code CD Project Congressional District JobsReported Number of Employees NAICSCode NAICS 6 digit code Race Borrower Race Description Ethnicity Borrower Ethnicity Description UTILITIES_PROCEED Note: Proceed data is lender reported at origination. On the PPP application the proceeds fields were check boxes. PAYROLL_PROCEED MORTGAGE_INTEREST_PROCEED RENT_PROCEED REFINANCE_EIDL_PROCEED HEALTH_CARE_PROCEED DEBT_INTEREST_PROCEED BusinessType Business Type Description OriginatingLenderLocationID Originating Lender ID (unique identifier) OriginatingLender Originating Lender Name OriginatingLenderCity Originating Lender City OriginatingLenderState Originating Lender State Gender Gender Indicator Veteran Veteran Indicator NonProfit 'Yes' if Business Type = Nonprofit Organization or Nonprofit Childcare Center or 501(c) Nonprofit ForgivenessAmount Forgiveness Amount ForgivenessDate Forgiveness Paid Date CERT Community Bank Flag State vs. National Charter

Source - https://www.csbs.org/

The Federal Reserve established a Main Street Lending Program (Program) to help credit flow to small and medium-sized for-profit businesses and nonprofit organizations that were in sound financial condition before the onset of the COVID-19 crisis, but needed loans to help maintain their operations until they recovered from, or adapted to, the impacts of the pandemic. The Program terminated on January 8, 2021. The Federal Reserve filed these reports with Congress pursuant to section 13(3) of the Federal Reserve Act concerning the lending facilities established by the Board.

State-guaranteed loans during the COVID-19 crisis The Government is implementing an exceptional guarantee scheme to support the bank financing of companies, up to EUR 300 billion. Until December 31, companies of any size, regardless of the legal form of the company (including companies, traders, craftsmen, farmers, liberal professions, micro-entrepreneurs, associations and foundations engaged in economic activity), with the exception of civil real estate companies, credit institutions and finance companies, will be able to apply to their usual bank for a loan guaranteed by the State to support their cash flow. ### The Business Aid Scoreboard In order to offer visibility to all French people on the allocation of aid to enterprises, the Minister for Action and Public Accounts, with the technical support of the department Etalab of the Inter-Ministerial Directorate of Digital (DINUM), make available a scoreboard of which source code is available, which proposes a consolidated vision of the support provided to companies. ### Description of the data This dataset contains the data presented on the State Guaranteed Loans tab of the dashboard. The data shall inform, at regional and departmental granularity, the following data: — the number of loans guaranteed by the State; — the total amount of loans guaranteed by the State in euros; — the sector of activity of the beneficiary companies (via a section of the NAF code).

As a result of the coronavirus (COVID-19) crisis, many people worldwide faced job insecurity and income disruption. For mortgage borrowers in the United States, this means increased risk of delayed loan repayment, default and foreclosure.

In April 2020, the share of single-family housing mortgages owned by Freddie Mac that were in forbearance and delinquent for ** days spiked to ** percent. One year later, as of April 2021, approximately ** percent of the mortgage loans in forbearance were delinquent for over *** days.

The Paycheck Protection Program (PPP) is a nearly $1 trillion business loan program started in 2020 under the Trump administration to provide relief to businesses struggling due to the Coronavirus epidemic.

This program that was managed by the Small Business Administration (SBA) offers loans to companies based on current payroll expense. The exact amount a business qualifies for depends on a number of factors including corporate structure, but generally follows the guidelines below:

Average monthly payroll (using a maximum annual salary per employee of $100,000) * 2.5

in 2020, a judge ordered the SBA to release all data on PPP loans, even those loans made for less than $150,000.

This dataset represents only businesses who received loans of more than $150,000, and presents an interesting opportunity for researchers in the data science community. Some potential projects are listed below: - Exploring loan amounts industries and business types - Using this data as features to predict business metrics such as company size, revenue, risk of bankruptcy. - Tracking important demographic statistics related to loan amounts and any potential bias in the program.

Complete set of loan-level data on the recipients of Paycheck Protection Program loans

Context

The Paycheck Protection Program (PPP) was passed by congress to give relief to businesses negatively impacted by Covid-19 in order to maintain pay for employees. The program gives forgivable loans to businesses that continue paying employees during the pandemic. The PPP quickly ran out of funds, limiting which businesses received relief. Some controversy around the program arose from large, publicly traded companies applying for and receiving PPP funds while many small businesses were unable to access relief.

Content

This dataset released by the treasury department on July 6 shows all loans above $150K given through the Paycheck Protection Program.

Acknowledgements

This dataset was posted by GovTrades, a mission-oriented organization working to increase transparency and accountability in policymaking. Check out GovTrades.org for data on stocks that elected officials buy and sell.

RRF funding aims to fill gaps in immediate working capital for small businesses and nonprofits (including cultural organizations) until they can resume more normal operations. Recipients may or may not have applied for additional funding through Small Business Administration (SBA) loans and other federal disaster relief funding sources. Using $2 million of the City’s share of Food and Beverage Tax funds that the Bloomington Common Council approved for expenditure April 7, plus $500,000 of additional support approved by the Bloomington Urban Enterprise Association on April 8, the City is providing these immediate loans of up to $50,000 each to sustain area businesses in the short term and foster the regional economy. An advisory committee was appointed by the City of Bloomington to review applications and make recommendations for funding. This committee includes representatives from banking, financial services, and community organizations. Additionally, applicants may seek support on their application by contacting the City of Bloomington at economicvitality@bloomington.in.gov. For more information about this and other Recover Forward efforts, see: https://bloomington.in.gov/recoverforward

Context

Created under the Cares Act as a response to COVID economic disruption, the Paycheck Protection Program (PPP) offered emergency loans to small businesses in the United States with the goal of reducing job losses. To promote the program, borrowers may be eligible for loan forgiveness if at least 60% of the loan proceeds were used to pay workers.

Content

There are 3 data files:

• ppp_loan_data.cvs: In addition to the loan amount (in U.S. dollars), the data file contains loan-level demographic information on the loans originated under the PPP program. Geographic fields include state, city, U.S. Congressional District, and zip code. It also includes business ownership type and a detailed NAICS code indicating the borrower's type of business, originating bank, and some borrower characteristics.

• naics_6.csv: this file contains industry names to accompany the NAICS code in the data file

• zip_county_crosswalk.cvs: this file maps zip codes to U.S. counties for anyone interested in incorporating additional demographic, economic, or other data of interest.

Acknowledgements

This data comes from the U.S. Small Business Administration (https://www.sba.gov/funding-programs/loans/coronavirus-relief-options/paycheck-protection-program).

PPP Loans of over $150k, as reported by SBA as of 6/30/21 Locations were geocoded by LA City Geocoder. Some locations may not have matched. https://www.sba.gov/funding-programs/loans/covid-19-relief-options/paycheck-protection-program/ppp-data

As of July 2020, the New York-Newark-Jersey City metropolitan area had a delinquent retail balance, which equaled to more than *********** U.S. dollars during the COVID-19 pandemic. As for the delinquent retail balance of the Houston-The Woodlands-Sugar Land metropolitan area, it amounted up to only ***** million U.S. dollars during that time period.

This dataset includes small business loans or grants issued for emergency COVID-19 financial assistance. Underlying data is provided by the Department of Small Business Services (SBS). Dollar amounts are in actual dollars. This dataset will be refreshed on a quarterly basis.

Context

During the 2020 COVID-19 crisis, the Trump Administration made available loans intended for small businesses to help keep them afloat, called the Paycheck Protection Program (SBA PPP).

Content

The data contained here outlines all of the loans that were made through this program, including data such as: who received the loan, the amount of the loan, and identifying information about the recipient of the loan.

All 6 files contained herein are of the same Schema, but I kept them as 6 separate .txt files so users can open them in Excel to do visual exploration of the data if needed.

Acknowledgements

Data was made available through FOIA requests, by the Small Business Adminstration

An aggregated dataset of PPP (Paycheck Protection Program) SBA (Small Business Administration) loans involving 3 million businesses would be a comprehensive collection of financial information, aimed at analyzing the distribution and impact of these loans. This dataset would include key details such as the names of the businesses, loan amounts, loan disbursement dates, and the terms of the loans. Additionally, the dataset would contain information on board members of these businesses, providing insights into the governance structures and potential networks influencing the flow of SBA funds. This aspect of the dataset can be crucial for understanding the distribution patterns of PPP loans, identifying trends in funding allocation among different types of businesses, and examining any correlations between board composition and loan receipt. Such a dataset would be valuable for various analyses, including: Financial Analysis: Assessing the financial health and stability of businesses that received PPP loans, and understanding how these loans have impacted their operations during challenging economic times. Governance Analysis: Evaluating the role of board members in acquiring PPP loans, and whether certain types of governance structures were more successful in securing funds. Economic Impact Assessment: Measuring the broader economic impact of the PPP loans, such as job retention, business survival rates, and sector-wise distribution of funds. Network Analysis: Mapping the connections between different businesses and their board members to identify any potential networks or clusters that may have influenced the flow of funds. Policy Evaluation: Providing data-driven insights to policymakers for assessing the effectiveness of the PPP program and for planning future economic relief measures.

Canada Business Loans: Outstanding Balances data was reported at 5.260 % pa in Feb 2025. This records a decrease from the previous number of 5.340 % pa for Jan 2025. Canada Business Loans: Outstanding Balances data is updated monthly, averaging 3.795 % pa from Jul 2016 (Median) to Feb 2025, with 104 observations. The data reached an all-time high of 6.490 % pa in May 2024 and a record low of 2.800 % pa in Sep 2021. Canada Business Loans: Outstanding Balances data remains active status in CEIC and is reported by Bank of Canada. The data is categorized under Global Database’s Canada – Table CA.M010: New and Existing Lending: Business Loans. [COVID-19-IMPACT]

In April 2024, the value of lending in the United States was roughly *** percent higher than the year before. During the first months of the COVID-19 pandemic, the volume of loans and leases granted in the U.S. fluctuated a lot, increasing significantly in March and April 2020, but declining sharply in June of that year.

In April 2020, the average auto loan term for a new car in the U.S. was **** months, up from **** months in April of the previous year. This is the first time that loan term lengths have surpassed 70 months in the United States, and is likely a response to the coronavirus pandemic which is sweeping the globe.